Protect My Car insurance company has opened recently, and it made quite a shake. Both the policyholders and employees are happy with PMC and wrote good reviews about it.
Contents
About Protect Car Insurance
Protect My Car insurance, commonly referred to as PMC, was established in 2005, and its headquarters is located in Saint Petersburg, Florida. Protect My Car has got to be a very popular and apparently good choice for vehicle service contracts. This insurance company offers numerous extended used car warranty options. The standard plans that PMC has cover up to 125,000 miles, but the Ambassador Maintenance Plans can cover most vehicles regardless of mileage. Protect My Car is available in all states except Alaska, California, Hawaii, Missouri, Oklahoma, and Washington. This company received an A+ rating from the Better Business Bureau (BBB) and held an exceptional 4.6 stars out of 5.0 from over 2,300 customers on Trustpilot.
What is significant about Protect My Car is handers and hundreds of five-star customer reviews on the Better Business Bureau (BBB) and Trustpilot. But why? What is so great about PMC? Let’s dive in.
How much does Protect My Car cost?
Protect My Car costs between about $80 and $120 per month, or approximately $3,000 to $4,000. It majorly depends on the plan and terms you select, your car’s make, model, and mileage.
Protect My Car tried to design flexible and lengthy payment terms for the ease of their policyholders. The length can be 36 to 48 months. The long and monthly payments can be more reasonable and this way you can get what you need.
Protect My Car’s perks
Repair Facilities
You can take your car anywhere you’d like to for repairs as long as it’s a licensed repair facility and file a claim. PMC also offers an interest-free card that allows you to repair your car whenever you want to.
Mechanical Breakdown Insurance (MBI)
All policies that are under Protect My Car company come with some mechanical breakdown insurance. What parts PMC covers depends on the package you buy.
24-Hour Road Assistance
Amazing that ALL Protect My Car extended warranties and auto insurance plans come with 24/7 roadside assistance. You should know that a maximum of $100 will be covered per callout, and the rest will be payable by you. But you can’t call for help every time, and you will only get two callouts per year; additional callouts will cost $50 on minimum.
Towing
Following the great 24/7 assistance, another perk that comes with all plans is towing service. PMC’s Towing plans come free with road assistance.
Does Protect My Car cover oil changes?
Yes, Protect My Car covers oil changes and tire rotations under all of its extended warranties. It is a benefit like roadside assistance and trip interruption is. Protect My Car goes the extra mile by providing oil changes and tire rotations to make sure its customers are satisfied.
Discounts Available
Protect My Car give discounts to policyholders via PMC Rewards. PMC Rewards is a rewarding program with discounts for online and in-store shopping, students, and military personnel.
Extended Warranty/Cost
Protect My Car designed three extended warranty packages. Generally, the warranty extends from 3 to 5 years, and it costs from $100 to $300 per month or $3,600 to $6,000 annually.
Deductible
For each extended warranty you get, Protect My Car charges at least a $100 deductible. Don’t forget that Protect My Car or any other company does not take deductible for themselves; in auto insurance, the deductible is 50% of the repair costs.
Trip Interruption Coverage
Protect My Car also have trip interruption reimbursement. With this reimbursement, if your car breaks down more than 150 miles from your home, Protect My Car will reimburse you a maximum of $50 per day for three days.
Rental Car
Rental car benefits kick in if your vehicle needs more than 4 hours of repair time. A maximum of $30 a day for seven days is covered by Protect My Car.
Cancellation Fee
Like all the other, Protect My Car also have a cancellation fee. However, if you want to cancel your plans in the first 30 days, and you haven’t filed a claim yet, you can cancel for free. If you are passed the first 30 days, or you have already filed a claim, you can still cancel. The rest works out like the rest of the insurance companies; based on how much you used your auto insurance; they will take and give you the rest of your money if you paid it all at once.
What does Protect My Car covers
Protect My Car offers three levels of warranty coverage:
• Supreme:
Protect My Car’s Supreme plan is very similar to a manufacturer’s warranty. The Supreme plan is designed in a way that is perfect for people who need additional coverage because they plan to keep their new cars beyond the manufacturer’s factory warranty term, which is usually three years.
• Select:
The Select plan for vehicles with more than 50,000 miles. It will protect the cars that are just outside the requirements for the Supreme plan. Everything that is in the Supreme plan is also in the Select plan, except for the turbocharger and navigation systems.
• Driveline:
The Driveline plan is specifically for older vehicles, vehicles that are 4 -10 years old and have more than 80,000 miles. In Driveline, you will get everything that is included in Supreme and Select plans but excludes the front and rear suspension, turbocharger, and navigation system. But on the other hand, the Driveline plan covers the powertrain plus cooling, electrical, and more.
Ambassador Maintenance Plans
One important fact you should know about Protect My Car is that this insurance company will not offer extended warranty plans to vehicles over 13 years old. Instead, the company provides Ambassador Maintenance Plans. Ambassador Maintenance Plan includes:
1. Guaranteed discounts between 50 and 75 percent on repairs
2. 24/7 roadside assistance
3. Rental car reimbursement
4. And more for older cars
However, the Protect My Car Ambassador plans do not provide the same protection as they do in extended warranties.
What Protect My Car does not cover?
Now that we covered what is covered by Protect My Car, Let’s focus some on what PMC won’t cover. Protect My Car will not auto repair due to:
• Weather
• Accidental damage
• Competitive driving
• Normal wear and tear
• Lack of proper maintenance
• Issues that existed before your Protect My Car contract started
Read More :
